our water heater broke while on vacation and did considerable damage. water also leaked into the garage and as a result there is mold now on my boat. the adjuster states the insurance company isnt responsible for the mold on the boat. i feel otherwise. any tricks or language i can use to get the boat fixed.

As an Insurance Agent I can tell you all policies exclude mold. (almost) Mold typically takes a while to develop. How long had the water been running down? Your HO policy won't cover your cars or your boat that is inside a garage. Standard policy stuff. Mold is a really bad issue with insurance companies and typcially not covered. Sorry man....